549 E 21st St, Oakland, CA 94606 Property Records

Alameda County property record for 549 E 21st St, Oakland, CA 94606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,644 sqft · built 1925
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,375,000 (Aug 2023)
Tax Bill	$19,787 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`21-275-25`

Property Details

APN / Parcel Number

Primary APN	`21-275-25`
Alternative APN	`021-0275-025-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,644 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Street Address	549 E 21ST ST
City	OAKLAND
State	CA
Zip	94606-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00025 BLK: AR: 0021 PAGE: 0275
Legal Subdivision	HIGLEYS MAP/CLINTON
Legal Block	124
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	4
Census Block	4007
Census Tract	405500

Owner

Source: Alameda County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit ZB NA
Feb 27, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 14, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 2, 2021	Intrafamily Transfer, Transfer
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 22, 2019	Grant Deed, Transfer · ARM GUARANTEED RATE AFFINITY LLC
Apr 17, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2023 · Amount on Record
Deed Sale	Aug 14, 2023 · Amount on Record
Prior Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	202392057
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0000237065
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

Mortgage

Document Number	0000070256
Date	Jun 21, 2023
Instrument	2023070256

Lender

Name	ZB NA
Type	Bank
Address	WALNUT CREEK, CA 94597

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Feb 27, 2026
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Document Number	0000027920
Instrument Date	Feb 10, 2026
Instrument	2026027920
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

Mortgage

Document Number	0000027921
Date	Feb 27, 2026
Instrument	2026027921

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 14, 2023
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Document Number	0000092057
Map Reference	MB B PG 537
Instrument Date	Aug 10, 2023
Instrument	2023092057
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,137.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

Mortgage

Document Number	0000092058
Date	Aug 14, 2023
Instrument	2023092058

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Jul 2, 2021
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Document Number	0000237065
Map Reference	MB B PG 537
Instrument Date	Jun 28, 2021
Instrument	2021237065
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

Mortgage

Document Number	0000331390
Date	Dec 2, 2020
Instrument	2020331390

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Mar 22, 2019
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Document Number	0000052156
Map Reference	MB B PG 537
Instrument Date	Mar 13, 2019
Instrument	2019052156
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	549 E 21ST ST, OAKLAND, CA 94606-1916

Mortgage

Document Number	0000052157
Date	Mar 22, 2019
Instrument	2019052157

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Apr 17, 2017
Property Address	549 E 21ST ST, OAKLAND, CA 94606-1916
Document Number	0000085218
Instrument Date	Apr 12, 2017
Instrument	85218
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,237.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 WINDEMERE WAY WOODBURY NY 117971534, WOODBURY, NY 11797-1534

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of June 20, 2025

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Oakland City
Unified School District	Oakland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,787.00 (+3.66%) Homeowner's exemption	$1,395,500 (+4.12%) Land $433,500 Building $969,000
2024	$19,089.00 (-4.99%)
2023	$20,092.00 (+2.17%) Homeowner's exemption	$1,340,237 (+2%) Land $402,071 Building $938,166	$1,206,270
2022	$19,665.00 Homeowner's exemption	$1,313,961 Land $394,188 Building $919,773

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,031 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Google Fiber, T-Mobile.

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